The guidance contained within the Financial Associates website is subject to the South African regulatory regime, and is therefore targeted at consumers based in South Africa. The information in this site is of a general nature and is not a substitute for professional advice. It is recommended you obtain specific professional advice before you take any action. Financial Associates take all reasonable steps to ensure that the content of this website is accurate and up-to-date, however, errors and omissions may occur. The accuracy of the information contained should not be relied upon as a statement of fact.

All information, material and comment are included only as an illustration of the types services that Financial Associates may offer. It is not intended to (nor does it) create any form of business, contractual or employment relationship. Financial Associates have no control over the use by a user to the information and material contained in this website. As a result, access to this website is solely at the user’s own risk. Financial Associate's principals, employees, agents or advisers shall not be liable for any financial or material loss or damage arising out of the direct or indirect use of such information and material.